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How Important is Your Credit Report When Applying For a Mortgage, Line of Credit, Auto Loan or Credit Card?

Very important! Besides your employment history, lenders use your credit history as the primary factor to determine if you are a good candidate for a loan. Large loans require a comprehensive 3-in-1 Credit Report that shows what all three major credit bureaus are reporting about you. Your credit report will be examined carefully for:

Signs that you act responsibly when it comes to paying your debts on time.

Your income and how it corresponds with your debts.

How much credit you currently have available to you.

Possessions you have paid off that may be used as collateral against a new loan.

Is it true that the better your credit history, the better interest rate and loan amount you may qualify for? Absolutely! The consequence of being considered less credit worthy may not keep you from qualifying for an auto loan, but it can be an expensive factor when determining&nbsp

The interest rate of that loan.

The down payment required.

The amount you are qualified to borrow.

Save yourself a bundle by checking your credit report first. There's no reason to settle for less of a loan at a higher interest rate, or come up with an exorbitant down payment when you don't have to. Know what's on your credit report. When reviewing your credit report, look for:

Mistakes  This happen more often than you think and it's important to correct them.

Inquiries  These may have a negative impact on your credit worthiness. Find out who has been looking at your credit report.

Collections and Charge-offs  It's imperative that these be paid in full to increase your credit worthiness.

Is there an easy way for me to determine my credit score or credit worthiness? Yes, there is now! When you order your credit report online, you can now also order your credit score. This is a numerical depiction of your credit worthiness using many of the same criteria considered by the leading consumer credit scoring companies. Gives you a general idea of how lenders may view your credit standing. Illustrates what factors affect your credit standing and how you can improve it.

You can access your credit report and credit score online as easy as 1-2-3! Typically, your easy-to-read Online Credit Report will appear on your screen in a matter of seconds. It's the perfect solution for viewing your credit report instantly.

If your preferand we highly suggest ityou may order a Three-in-One Credit Report which can viewed online or delivered by mail within 24 hours. It combines reports from all three national credit bureaus: Experian, Equifax, and Trans Union. A complete picture of your credit historycompiled into one convenient document.

You have other options as well. Credit Monitoring and Credit Inform are designed to keep you informed and alert to credit report changes. While a little more expensive to order, maintaining a good credit report will reward you with more borrowing power and lower interest rates.

If you are concerned about your credit rating and will be applying for credit in the near future, we highly suggest getting your credit report from all three major reporting agencies along with your credit score. It's a worthwhile investment.